Systems and methods for providing an enhanced analytical engine

ABSTRACT

An enhanced analytical engine system may perform the steps of providing optimized individual transaction recommendations. The system may receive a request comprising customer financial information, customer identification information, and vehicle identification information. The system may collect information associated with one or more vehicles within an inventory listing associated with one or more dealership systems. The system may then provide data representing information associated with the one or more vehicles within an inventory listing associated with the one or more dealership systems. The system may receive data indicating selection of a vehicle of interest. The system may determine a proposed offer package for the vehicle of interest comprising an associated overall price and at least one from among a warranty option, maintenance option, and service contract option based on the customer preferences information and historical transaction data. The system may provide the determined proposed offer package for presentation to the customer.

CROSS-REFERENCE TO RELATED APPLICATIONS AND PRIORITY CLAIM

This application is a continuation of U.S. patent application Ser. No.16/168,255, filed 23 Oct. 2018, entitled “Systems and Methods forProviding an Enhanced Analytical Engine,” the entire contents andsubstance which is incorporated herein by reference in its entirety asif fully set forth below.

FIELD

The presently disclosed subject matter relates generally to enhancedanalytical engines and, more particularly, to systems and methods forproviding enhance analytical engines for optimizing individualtransaction recommendations.

BACKGROUND

Traditionally, purchasing or leasing a car from a dealer is an arduousprocess. A prospective customer must shop for a new vehicle often withlimited details on what loan terms the customer will ultimately qualifyfor or what elements of an overall sales price are negotiable.

After a vehicle of interest is identified, the customer may visit adealership or may visit an online retailer to view more details about avehicle. When they do, they will inevitably be faced with a barrage ofdifferent numbers, which can make it very hard to ensure that they aregetting the best value. Further, while most customers are aware thatthey could try and negotiate the overall price of a vehicle, few areaware of other factors, such as warranties, service contracts, etc.which have an effect on the value of any transaction.

Accordingly, there is a need for improved vehicle acquisition (e.g.,purchase or lease) systems to provide prospective customers withinsights concerning proposed/possible offer packages that may affectcompletion of a transaction. Embodiments of the present disclosure aredirected to this and other considerations.

SUMMARY

Consistent with a disclosed embodiment, systems and methods forproviding enhanced analytical engines for optimizing individualtransaction recommendations are disclosed. The system may comprise oneor more processors and a memory in communication with the processor(s)and storing instructions that, when executed by the processor(s), areconfigured to cause the system to perform operations consistent withdisclosed embodiments.

Consistent with the disclosed embodiments, the system may include one ormore memory devices storing instructions, and one or more processorsconfigured to execute the instructions to perform steps of a method tofacilitate targeted content delivery to users who have control over whatdata is shared with advertising entities.

According to some embodiments, there is provided a system that mayoptimize individual transaction recommendations. The system may receivea request from a customer device comprising customer financialinformation, customer identification information, and vehicleidentification information. The system may then collect, from one ormore dealership systems, information associated with one or morevehicles within an inventory listing associated with the one or moredealership systems. The system may provide, to the customer device, datarepresenting information associated with the one or more vehicles withinan inventory listing associated with the one or more dealership systems.The system may then receive, from the customer device, data indicatingselection of a vehicle of interest among the one or more vehicles withinthe inventory listing. The system may determine a proposed offer packagefor the vehicle of interest comprising an associated overall price andat least one from among a warranty option, maintenance option, andservice contract option based on the customer preferences informationand historical transaction data. Further, the system may provide, to thecustomer device, the determined proposed offer package for presentationto the customer, wherein the determined proposed offer package comprisesprospective pricing information corresponding to each of the at leastone vehicle.

In some example embodiments, the system may further compriseinstructions to cause the system to receive, from the one or moredealership systems, historical transaction data for vehicles sold at oneor more dealerships associated with the one or more dealership systems,the historical transaction data comprising vehicle information, overallnegotiated price including a warranty option, maintenance option, andservice contract option.

According to some example embodiments, the system may further compriseinstructions to cause the system to provide, to the dealership system, asuggested new warranty option, maintenance option, and service contractoption based on the tracked historical promotion data.

In some embodiments, determining a proposed offer package may comprisestracking historical transaction data for vehicles sold by one or moredealerships associated with the one or more dealership systems, thehistorical transaction data comprising vehicle information, overallnegotiated price, and included options; and determining, using machinelearning and based on the tracked historical transaction data, theproposed offer package.

According to some embodiments of the present disclosure, the vehicle ofinterest may have an associated vehicle type, and determining theproposed offer package may further comprise tracking historicaltransaction data of at least the overall price, warranty option cost,maintenance option cost, and service contract cost for the associatedvehicle type of the at least one vehicle and determining a suggestedtime window to provide the proposed offer package for the vehicle ofinterest based on the historical transaction data.

In some embodiments, the vehicle of interest may have an associatedvehicle type, and determining the proposed offer package may furthercomprise tracking historical transaction data of at least an overallprice, warranty option cost, maintenance option cost, and servicecontract cost for past sales of the associated vehicle type; andidentifying a recommended dealership associated with a dealership systemof the one or more dealership systems for presenting the proposed offerpackage.

In some example embodiments, the system may further be configured toreceive, from the customer, a customer-input indication of acceptance ofthe determined proposed offer package, and, responsive to theacceptance, provide, to the dealership system, the warranty providersystem, the maintenance provider system, and the service contractprovider system, data indicating the customer's willingness to enterinto a transaction based on the proposed offer package.

According to some embodiments, there is provided a system that mayoptimize individual transaction recommendations. The system may receivea request from a customer device comprising customer financialinformation, customer identification information, and vehicleidentification information. The system may then collect, from one ormore dealership systems, information associated with one or morevehicles within an inventory listing associated with the one or moredealership systems. The system may then aggregate, from a warrantyprovider system, one or more warranty options associated with the atleast one vehicle contained in the inventory listing. The system mayaggregate, from a maintenance provider system, one or more maintenanceoptions associated with the at least one vehicle contained in theinventory listing. The system may then aggregate, from a servicecontract system, one or more service contract options associated withthe at least one vehicle contained in the inventory listing. The systemmay then receive, from the customer device, data indicating selection ofa vehicle of interest among the one or more vehicles within theinventory listing. The system may determine a proposed offer package forthe vehicle of interest comprising an associated overall price and atleast one from among a warranty option, maintenance option, and servicecontract option based on the customer preferences information andhistorical transaction data. Further, the system may provide, to thecustomer device, the determined proposed offer package for presentationto the customer, wherein the determined proposed offer package comprisesprospective pricing information corresponding to each of the at leastone vehicle.

In some embodiments, the dealership system, the warranty providersystem, the maintenance provider system, and the service contractprovider system may all be associated with a single entity.

According to some embodiments, the dealership system, the warrantyprovider system, the maintenance provider system, and the servicecontract provider system may each be associated with a respectiveentity.

In some example embodiments, determining a proposed offer package mayfurther comprise tracking historical transaction data one or moreassociated vehicle types of at least one vehicle of past negotiations,the historical transaction data comprising overall price including awarranty option for the one or more associated vehicle types; andproviding, to the customer device, a suggested warranty option from awarranty provider associated with the warranty provider system based onapplying the tracked historical transaction data.

According to some example embodiments, determining a proposed offerpackage may further comprise tracking historical transaction data one ormore associated vehicle types of at least one vehicle of pastnegotiations, the historical transaction data comprising overall priceincluding a maintenance option for the one or more associated vehicletypes; and providing, to the customer device, a suggested maintenanceoption from a maintenance option provider associated with themaintenance provider system based on the tracked historical transactiondata.

In some example embodiments, determining a proposed offer package mayfurther comprise tracking historical transaction data one or moreassociated vehicle types of at least one vehicle of past negotiations,the historical transaction data comprising overall price including aservice contract option for the one or more associated vehicle types;and providing, to the customer device, a suggested service contractoption from a service contract provider associated with service contractprovider system based on the tracked historical promotion data.

According to some example embodiments, the system may be furtherconfigured to receive, from the customer, a customer-input indication ofacceptance of the determined proposed offer package, and, responsive tothe acceptance, provide, to the dealership system, the warranty providersystem, the maintenance provider system, and the service contractprovider system, data indicating the customer's willingness to enterinto a transaction based on the proposed offer package.

In some embodiments, each of the at least one vehicle may have anassociated vehicle type, and determining the proposed offer package mayfurther comprise tracking historical transaction data of at least theoverall price, warranty cost, maintenance cost, and service contractcost for the associated vehicle type of the at least one vehicle anddetermining a suggested time window to provide the proposed offerpackage for the at least one vehicle based on the historical transactiondata.

According to some embodiments, each of the at least one vehicle may havean associated vehicle type, and determining the proposed offer packagemay further comprise tracking historical transaction data of at leastthe overall price, warranty cost, maintenance cost, and service contractcost for the associated vehicle type of the at least one vehicle anddetermining a suggested dealership associated with a dealership systemto present the proposed offer package to for a vehicle with the sameassociated vehicle type as the vehicle of interest.

In some example embodiments, the vehicle with the same associatedvehicle type as the vehicle of interest and the vehicle of interest maybe different vehicles located at respective dealerships.

According to some example embodiments, the vehicle with the sameassociated vehicle type as the vehicle of interest and the vehicle ofinterest may be the same vehicle.

According to some embodiments, there is provided a method for optimizingindividual transaction recommendations. The method may comprisereceiving a request from a customer, the request comprising customerfinancial information, customer identification information, and vehicleidentification information. The method may further comprise collectinginformation associated with one or more vehicles within an inventorylisting associated with the one or more dealership systems. The methodmay further comprise providing, to the customer, data representinginformation associated with the one or more vehicles within an inventorylisting associated with the one or more dealership systems. The methodmay further comprise receiving, from the customer, data indicatingselection of a vehicle of interest among the one or more vehicles withinthe inventory listing. The method may comprise determining a proposedoffer package for the vehicle of interest comprising an associatedoverall price and at least one from among a warranty option, maintenanceoption, and service contract option based on the customer preferencesinformation and historical transaction data. The method may furthercomprise providing, to the customer, the determined proposed offerpackage for presentation to the customer, wherein the determinedproposed offer package comprises prospective pricing informationcorresponding to each of the at least one vehicle.

According to some example embodiments, determining a proposed offerpackage may comprise tracking historical transaction data for vehiclessold by one or more dealerships associated with the one or moredealership systems, the historical transaction data comprising vehicleinformation, overall negotiated price, and included options; anddetermining, using machine learning and based on the tracked historicaltransaction data, the proposed offer package.

Further features of the disclosed design, and the advantages offeredthereby, are explained in greater detail hereinafter with reference tospecific embodiments illustrated in the accompanying drawings, whereinlike elements are indicated be like reference designators.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated and constitute a partof this specification, illustrate various embodiments and aspects of thedisclosed embodiments and, together with the description, serve toexplain the principles of the disclosed embodiments. In the drawings:

FIG. 1 illustrates an example enhanced analytical engine systemconsistent with disclosed embodiments;

FIG. 2 is a component diagram of an example offer package system for usein the enhanced analytical engine system of FIG. 1; and

FIGS. 3-5 are flowcharts of example methods incorporating certainaspects of the present disclosure.

DETAILED DESCRIPTION

Some implementations of the disclosed technology will be described morefully with reference to the accompanying drawings. This disclosedtechnology may, however, be embodied in many different forms and shouldnot be construed as limited to the implementations set forth herein. Thecomponents described hereinafter as making up various elements of thedisclosed technology are intended to be illustrative and notrestrictive. Many suitable components that would perform the same orsimilar functions as components described herein are intended to beembraced within the scope of the disclosed electronic devices andmethods. Such other components not described herein may include, but arenot limited to, for example, components developed after development ofthe disclosed technology.

It is also to be understood that the mention of one or more method stepsdoes not preclude the presence of additional method steps or interveningmethod steps between those steps expressly identified. Similarly, it isalso to be understood that the mention of one or more components in adevice or system does not preclude the presence of additional componentsor intervening components between those components expressly identified.

Generally, the disclosed embodiments are directed to systems and methodsfor providing an enhanced analytical engine, more specifically, anenhanced analytical engine to provide personalized recommendations toassist car buyers with vehicle purchases.

In one aspect, a system for providing personalized offer packages to aprospective customer. Specifically, the system may include one or morememory devices storing instructions, and one or more processorsconfigured to execute the instructions to perform the steps of a method.First, a customer may wish to acquire (e.g., purchase or lease) avehicle. To get a sense of what types of vehicles are available and whatthe customer can afford, the customer may wish to access an inventoryhost website (e.g., hosted by the offer package system 110). Thecustomer may already have some idea of what vehicle he/she wishes topurchase and may select either (i) specific vehicles (e.g., by a VIN) or(ii) a vehicle type(s). In response, the offer package system 110 mayreceive, from the customer device 120 (or any of the previouslymentioned systems that may be configured to act as the inventory websitehost), an initial interest request. The initial interest request mayinclude customer identification information (e.g., a full name, date ofbirth, social security number, etc.), customer financial information(e.g., income, debt information, etc.), and information associated withat least one vehicle contained within an inventory listing presented onthe website.

The offer package system 110 may provide the customer with apersonalized list of vehicles based on the information received in theinitial request. In some cases, once the customer selects a vehicle ofinterest, the offer package system 110 may determine a proposed offerpackage. In other cases, the offer package system 110 may determine aproposed offer package for each vehicle in the personalized list ofvehicles (e.g., a proposed price and options for each vehicle based on,for example, the vehicle dealer, location, mileage, and model). Thedetermination may be made using a machine learning technique such as,for example, k-means clustering, naive bayes classifier, random forests,and other suitable machine learning techniques. For example, the offerpackage system 110 may make the determination based on reviewinghistorical transaction data for similar vehicles, for vehicles sold at aparticular dealership, and for other factors that can be captured withinautomotive transaction data (e.g., MSRP, warranty, model, trim, year,and vehicle upgrades). The proposed offer package may include asuggested overall price and suggested options and tactics. For example,the proposed offer package may suggest offering $24,500 for a new FordEscape and asking for a GAP warranty (i.e., suggested option) and aservice contract (i.e., suggested option) to be included. In someexample embodiments, the proposed offer package may suggest offering$20,500 for a new base model Ford Escape and may suggest a third-partyservice contract such as the addition of backup sensors or a backupcamera (i.e., suggested options) to be included as part of the deal. Itwill be appreciated that such an offer package may reduce the overallprice paid by a customer. As another example, the proposed offer packagemay suggest offering $22,000 for a new Ford Escape and may suggest aspecific dealer (i.e., suggested tactic) and a specific time of theyear/month/week/day (i.e., suggested tactic) to propose the offer. Theoffer package system 110 may then provide the proposed offer package tothe customer. For example, the proposed offer may be delivered throughemail or may be provided to the customer via a website interface.

In some implementations, a customer may wish to acquire (e.g., purchaseor lease) a vehicle. To determine the customer's price-range and vehicleoptions, the customer may wish to access an inventory host website(e.g., hosted by the offer package system 110) and as a result maysubmit an initial interest request. After receiving the request, offerpackage system 110 may aggregate vehicle and pricing data fromdealership systems 140 as well as data from third party serviceproviders that provide automotive services (e.g., warranty providers,aftermarket accessory providers, service contract providers, etc.). Whendetermining the proposed offer package, offer package system 110 may usethe aggregated data in combination with historical transaction data inorder to develop the proposed offer package. The proposed offer packagemay indicate certain suggested options and tactics in order to get thebest deal (e.g., a deal favorable to the customer that is also likely tobe accepted) from an individual dealership. The proposed offer packagemay also indicate that certain suggested options should be purchasedfrom different entities in order to attain the best value. For example,the proposed offer package may indicate a lower total cost to thecustomer could be obtained by purchasing the vehicle from a dealership(e.g., $22,000 for the new Ford Escape), but suggesting that thewarranty and service contracts be purchased from a third party (asopposed to from the dealership). In another example, the customer mayindicate that they would like a vehicle with a rear seat entertainmentsystem. The proposed offer package may suggest that, in order to attaina lower total cost to the customer, the customer should purchase avehicle from a dealership without a rear seat entertainment system andthen purchase and install a rear seat entertainment system through athird party, such as an aftermarket retailer. The offer package system110 may then provide the proposed offer to the customer. For example,the proposed offer may be delivered through email or may be provided tothe customer via a website interface.

Reference will now be made in detail to example embodiments of thedisclosed technology, examples of which are illustrated in theaccompanying drawings and disclosed herein. Wherever convenient, thesame references numbers will be used throughout the drawings to refer tothe same or like parts.

FIG. 1 illustrates an example system 100 consistent with the disclosedembodiments. In one aspect, as shown, system 100 may include an offerpackage system 110, an inventory database 112, a customer device 120, aninventory host system 130, a dealership system 140, a service providersystem 150, and a network 160. In some embodiments, the offer packagesystem 110, which may operate in conjunction with an external inventoryhost system 130 or may host its own inventory listing (e.g., using theinventory database 112), may provide customized, offer package(s) to thecustomer device 120 via the network 160 and based on historicaltransaction data, customer preferences and vehicle information from thedealership system 140 and/or the service provider system 150. In otherembodiments, the offer package system 110 may track customer preferencesand track transaction history and, in turn, provide recommendedpromotions to one or more of the dealership system 140 and the serviceprovider system 150 via the network.

The offer package system 110 may be configured to receive vehicle andcustomer information from a plurality of sources including customerdevice, 120, one or more of the dealership system 140, and the serviceprovider system 150. In one aspect, the offer package system 110 maymake a recommendation of a preferred offer package including variousnegotiation details and tactics. In some embodiments, the offer packagesystem 110 may provide a proposed offer package including prospectivefinancial information corresponding to each selected vehicle of thevehicle inventory. In other embodiments, the offer package system 110may receive from the dealership system 140 customer financialinformation. The offer package system 110 may determine personalizedfinancing information for the at least one vehicle based on the customerfinancial information and the determined promotion recommendation.Accordingly, the offer package system 110 may provide inventory itemsmeeting the customer financial information and display personalizedfinancing information including details such as loan term, loan interestrate, and the monthly payment. The offer package system 110 may includeone or more components that perform processes consistent with thedisclosed embodiments. For example, the offer package system 110 mayinclude one or more physical or logical computer systems (e.g., servers,database systems, etc.) configured to execute software instructionsprogrammed to perform aspects of the disclosed embodiments, such asprocessing information relating to the initial request that may bereceived from the customer device 120. Consistent with the disclosedembodiments, the offer package system 10 may be configured to provide,manage, monitor, and assess a prospective recommended combination ofdeal terms from one or more of the dealership system 140, the inventoryhost system 130, and the service provider system 150.

The inventory database 112 may be associated with the offer packagesystem 110, and in some embodiments, the inventory database 112 maystore inventory listings of all the vehicles available for purchase orlease on the system 100.

The customer device 120 may represent a system associated with an entityseeking to buy an item from another party. The customer device 120 maybe configured to transmit and receive information associated withaccessing a website, such as a website operated by the dealership system140 or offer package system 110. The customer device 120 may include oneor more components that perform processes consistent with the disclosedembodiments. For example, the customer device 120 may include one ormore computers (e.g., servers, database systems, etc.) that areconfigured to execute software instructions programmed to performaspects of the disclosed embodiments.

The inventory host system 130 may include one or more systems configuredto receive, process, display, and transmit information associated withitems for sale (e.g., automotive vehicles). In some embodiments,multiple dealership systems 140 (e.g., dealership systems 140A, 140B,etc.) may be configured to access a common inventory listing hosted bythe inventory host system 130. The inventory host system 130 may beassociated with the seller of the vehicles (e.g., a typical dealership)or with a third-party to the sale (e.g., cars.com™). The inventory hostsystem 130 may include components that enable it to perform processesconsistent with the disclosed embodiments. For example, the inventoryhost system 130 may provide web sites that offer vehicle listings andcommunicate with the offer package system 110 or other componentsutilizing one or more APIs through network 160 to provide a suggestedoffer package for a vehicle included in an inventory listing stored onthe inventory host system 130.

The dealership system 140 may include multiple separate dealershipsystems 140A, 140B, etc. (known collectively as the dealership system140). The dealership system 140 may be configured to receive, process,display, and transmit information associated with items for sale (e.g.,automotive vehicles). The dealership system 140 may be associated withthe seller of the vehicles. The dealership system 140 may includecomponents that enable it to perform processes consistent with thedisclosed embodiments. For example, the dealership system 140 mayprovide websites that offer vehicle listings and communicate with theoffer package system 110 or other components to provide a suggestedoffer package for a vehicle included in the vehicle listings.

The service provider system 150 may include multiple separate serviceprovider systems 150A, 150B, etc. (known collectively as the serviceprovider system 150). The service provider system 150 may be configuredto receive, process, display, and transmit information associated withitems for sale (e.g., automotive vehicles). The service provider system150 may be associated with a third-party to the sale of the vehicles(e.g. cars.com™). The service provider system 150 may be associated withthe sale of vehicle accessories, warranties, service contracts, or otheritems relating to automotive vehicles. The service provider system 150may include components that enable it to perform processes consistentwith the disclosed embodiments. For example, the service provider system150 may provide websites that offer vehicle listings and communicatewith the offer package system 110 or other components to provide asuggested offer package associated with those vehicle listings.

Facilitating communication between components of the system 100, thenetwork 160 may be of any suitable type, including individualconnections via the Internet such as cellular or WiFi networks. In someembodiments, the network 160 may connect terminals, services, and mobiledevices using direct connections such as radio-frequency identification(RFID), near-field communication (NFC), Bluetooth™, low-energyBluetooth™ (BLE), WiFi™, Ethernet, ZigBee™, ambient backscattercommunications (ABC) protocols, USB, WAN, or LAN. Because theinformation transmitted may be personal or confidential, securityconcerns may dictate one or more of these types of connections beencrypted or otherwise secured. In some embodiments, however, theinformation being transmitted may be less personal, and therefore thenetwork connections may be selected for convenience over security.

Components of the offer package system 110 are shown in more detail inFIG. 2. The customer device 120, the inventory host system 130, thedealership system 140, and the service provider system 150 all may havea similar structure and components that are similar to those describedwith respect to the offer package aggregator system 110. As shown inFIG. 2, the offer package system 110 may include a processor 210, aninput/output (“I/O”) device 220, a memory 230 containing an operatingsystem (“OS”) 240 and a program 250. For example, the offer packagesystem 110 may be a single server or may be configured as a distributedcomputer system including multiple servers or computers thatinteroperate to perform one or more of the processes and functionalitiesassociated with the disclosed embodiments. In some embodiments, theoffer package system 110 may further include a display (or a displayinterface), a peripheral interface, a transceiver, a mobile networkinterface in communication with the processor 210, a bus configured tofacilitate communication between the various components of the offerpackage system 110, and a power source configured to power one or morecomponents of the offer package system 110. A display may include anyconventional display mechanism such as a flat panel display, projector,or any other display mechanism known to those having ordinary skill inthe art. In some embodiments, a display, in conjunction with suitablestored instructions, may be used to implement a graphical userinterface. In other embodiments, a display may include a displayinterface configured to receive or communicate with one or more externaldisplays. The offer package system 110 may further include a soundinterface, a camera interface, a telephony subsystem, an antennainterface, and a GPS receiver.

A peripheral interface may include the hardware, firmware and/orsoftware that enables communication with various peripheral devices,such as media drives (e.g., magnetic disk, solid state, or optical diskdrives), other processing devices, or any other input source used inconnection with the instant techniques. In some embodiments, aperipheral interface may include a serial port, a parallel port, ageneral purpose input and output (GPIO) port, a game port, a universalserial bus (USB), a micro-USB port, a high definition multimedia (HDMI)port, a video port, an audio port, a Bluetooth port, a near-fieldcommunication (NFC) port, another like communication interface, or anycombination thereof.

In some embodiments, a transceiver may be configured to communicate withcompatible devices and ID tags when they are within a predeterminedrange. A transceiver may be, for example, compatible with one or moreof: radio-frequency identification (RFID), near-field communication(NFC), Bluetooth®, low-energy Bluetooth® (BLE), WiFi™, ZigBee®, ambientbackscatter communications (ABC) protocols or similar technologies.

A mobile network interface may provide access to a cellular network, theInternet, or another wide-area network. In some embodiments, a mobilenetwork interface may include hardware, firmware, and/or software thatallows the processor(s) 210 to communicate with other devices via wiredor wireless networks, whether local or wide area, private or public, asknown in the art. A power source may be configured to provide anappropriate alternating current (AC) or direct current (DC) to powercomponents.

The processor 210 may include one or more of a microprocessor,microcontroller, digital signal processor, co-processor or the like orcombinations thereof capable of executing stored instructions andoperating upon stored data. Memory 230 may include, in someimplementations, one or more suitable types of memory (e.g. such asvolatile or non-volatile memory, random access memory (RAM), read onlymemory (ROM), programmable read-only memory (PROM), erasableprogrammable read-only memory (EPROM), electrically erasableprogrammable read-only memory (EEPROM), magnetic disks, optical disks,floppy disks, hard disks, removable cartridges, flash memory, aredundant array of independent disks (RAID), and the like), for storingfiles including an operating system, application programs (including,for example, a web browser application, a widget or gadget engine, andor other applications, as necessary), executable instructions and data.In one embodiment, the processing techniques described herein areimplemented as a combination of executable instructions and data withinthe memory 230.

The processor 210 may be one or more known processing devices, such as amicroprocessor from the Pentium.™. family manufactured by Intel.™. orthe Ryzen.™. family manufactured by AMD.™. The processor 210 mayconstitute a single core or multiple core processor that executesparallel processes simultaneously. For example, the processor 210 may bea single core processor that is configured with virtual processingtechnologies. In certain embodiments, the processor 210 may use logicalprocessors to simultaneously execute and control multiple processes. Theprocessor 210 may implement virtual machine technologies, or othersimilar known technologies to provide the ability to execute, control,run, manipulate, store, etc. multiple software processes, applications,programs, etc. In another embodiment, the processor 210 may include amultiple-core processor arrangement (e.g., dual or quad core) that isconfigured to provide parallel processing functionalities to allow theoffer package system 110 to execute multiple processes simultaneously.One of ordinary skill in the art would understand that other types ofprocessor arrangements could be implemented that provide for thecapabilities disclosed herein.

The offer package system 110 may include one or more storage devicesconfigured to store information used by processor 210 (or othercomponents) to perform certain functions related to the disclosedembodiments. In one example, the offer package system 110 may includememory 230 that includes instructions to enable processor 210 to executeone or more applications, such as server applications, networkcommunication processes, and any other type of application or softwareknown to be available on computer systems. Alternatively, theinstructions, application programs, etc. may be stored in an externalstorage or available from a memory over a network. The one or morestorage devices may be a volatile or non-volatile, magnetic,semiconductor, tape, optical, removable, non-removable, or other type ofstorage device or tangible computer-readable medium.

In one embodiment, the offer package system 110 includes memory 230 thatincludes instructions that, when executed by processor 210, perform oneor more processes consistent with the functionalities disclosed herein.Methods, systems, and articles of manufacture consistent with disclosedembodiments are not limited to separate programs or computers configuredto perform dedicated tasks. For example, the offer package system 110may include memory 230 that may include one or more programs 250 toperform one or more functions of the disclosed embodiments. Moreover,processor 210 may execute one or more programs 250 located remotely fromthe enhanced analytical engine system 100. For example, the system 100may access one or more remote programs 250, that, when executed, performfunctions related to disclosed embodiments.

Memory 230 may include one or more memory devices that store data andinstructions used to perform one or more features of the disclosedembodiments. Memory 230 may also include any combination of one or moredatabases controlled by memory controller devices (e.g., server(s),etc.) or software, such as document management systems, Microsoft SQLdatabases, SharePoint databases, Oracle.™. databases, Sybase.™.databases, or other relational databases. Memory 230 may includesoftware components that, when executed by processor 210, perform one ormore processes consistent with the disclosed embodiments.

The offer package system 110 may also be communicatively connected toone or more memory devices (e.g., databases (not shown)) locally orthrough a network (e.g., network 160). The remote memory devices may beconfigured to store information and may be accessed and/or managed bythe offer package system 110. By way of example, the remote memorydevices may be document management systems, Microsoft SQL database,SharePoint databases, Oracle.™. databases, Sybase.™. databases, or otherrelational databases. Systems and methods consistent with disclosedembodiments, however, are not limited to separate databases or even tothe use of a database.

The offer package system 110 may also include one or more I/O devices220 that may comprise one or more interfaces for receiving signals orinput from devices and providing signals or output to one or moredevices that allow data to be received and/or transmitted by the offerpackage system 110. For example, the offer package system 110 mayinclude interface components, which may provide interfaces to one ormore input devices, such as one or more keyboards, mouse devices, touchscreens, track pads, trackballs, scroll wheels, digital cameras,microphones, sensors, and the like, that enable the offer package system110 to receive data from one or more users. In other exampleembodiments, the I/O devices 220 may serve as the sound interface and/orthe camera interface to present information to a user and captureinformation from a device's environment including instructions from thedevice's user. As additional examples, input components may include anaccelerometer (e.g., for movement detection), a magnetometer, a digitalcamera, a microphone (e.g., for sound detection), an infrared sensor, anoptical sensor, and a GPS receiver.

In example embodiments of the disclosed technology, the offer packagesystem 110 may include any number of hardware and/or softwareapplications that are executed to facilitate any of the operations. Inexample implementations, one or more I/O interfaces facilitatecommunication between the offer package system 110 and one or moreinput/output devices. For example, a universal serial bus port, a serialport, a disk drive, a CD-ROM drive, and/or one or more user interfacedevices, such as a display, keyboard, keypad, mouse, control panel,touch screen display, microphone, etc., may facilitate user interactionwith the computing device. The one or more I/O interfaces may beutilized to receive or collect data and/or user instructions from a widevariety of input devices. Received data may be processed by one or morecomputer processors as desired in various implementations of thedisclosed technology and/or stored in one or more memory devices.

While the offer package system 110 has been described as one form forimplementing the techniques described herein, those having ordinaryskill in the art will appreciate that other, functionally equivalenttechniques may be employed. For example, as known in the art, some orall of the functionality implemented via executable instructions mayalso be implemented using firmware and/or hardware devices such asapplication specific integrated circuits (ASICs), programmable logicarrays, state machines, etc. Furthermore, other implementations of theoffer package system 110 may include a greater or lesser number ofcomponents than those illustrated.

FIG. 3 shows a flowchart of an example method of using an offer packagesystem 110, according to an example embodiment. In block 310, the system(e.g., offer package system 110) may receive, from a customer device, aninitial request comprising customer financial information, customeridentification information, and/or vehicle identification information.The customer financial information may include information relevant to aloan approval or to an inquiry into the amount of money a customer canafford to spend on a vehicle. For example, in some embodiments, customerfinancial information may include information related to the customer'sincome, the customer's debt(s), or other information regarding acustomer's financial history or responsibilities. The customeridentification information may include contact information and anyinformation relevant for retrieving financial or other information abouta customer that may be relevant to a vehicle transaction. For example,in some embodiments, customer identification information may includecustomer name, current customer mailing address, previous customermailing address(es), customer phone number(s), customer social securitynumber, date of birth, email address, a username and/or passcodeauthenticating the customer as the person he or she purports to be, etc.The vehicle identification information may include information relevantto a vehicle that a customer is considering purchasing. For example,vehicle identification information may include a type of vehicle (e.g.,car, sports utility vehicle (“SUV”), truck, etc.), vehicle make, vehicleyear, vehicle model, vehicle identification number (“VIN”), orinformation useful in identifying a vehicle or group of vehicles thatare of interest to the customer.

In block 320, the system (e.g., offer package system 110) may collectand aggregate, from one or more dealerships systems, an inventorylisting comprising information associated with one or more vehiclesassociated with the one or more dealership systems. The inventorylisting may include a list of vehicles and corresponding vehicleinformation such as overall price, vehicle make, vehicle model, vehiclemileage, vehicle features, and other relevant information about vehiclesthat are for sale at dealerships associated with a dealership system140. The inventory listings collected from different dealership systemsmay be aggregated and hosted by one of the offer package system 110 orthe inventory host system 130. When the inventory listing is hosted bythe offer package system 110, the inventory listing data may be storedon the inventory database 112, which may be directly connected to theoffer package system 110.

In block 330, the system (e.g., offer package system 110) may provide,to the customer device 120, data representing one or more vehiclesassociated with the aggregated inventory listing. For example, in someembodiments, offer package system 110 may transmit data representing oneor more vehicles associated with the aggregated inventory listingthrough network 160 to customer device 120 for display.

In block 340, the system (e.g., offer package system 110) may receive,from the customer device 120, data indicating a selection of a vehicleof interest from among the vehicles included in the aggregated inventorylisting. For example, a customer may select an option in a mobileapplication or on a website running on customer device 120. The customerdevice 120 may then transmit data representing the customer's choicethrough network 160 to offer package system 110.

In block 350, the system (e.g., offer package system 110) may determinea proposed offer package for the vehicle of interest. The proposed offerpackage may include an associated overall price including at least onefrom among a warranty option, maintenance option, and service contractoption based on the customer vehicle preference information andhistorical transaction data. In some embodiments, offer package system110 may determine, based on the customer financial information andhistorical transaction data, an offer package that is likely to beaccepted by a dealership. For example, in some embodiments, offerpackage system 110 may determine that a customer may be able to offer$1000 off the asking price if they also purchase a Guaranteed AssetProtection (“GAP”) warranty. In another example embodiments, offerpackage system 110 may determine that a customer may be able to get aGAP warranty or other service contract included in the sale if theyoffer the full asking price. According to some embodiments, the systemmay determine the likelihood that an offer package is accepted by adealer. For example, in some embodiments, offer package system 110 maydetermine that a first proposed offer has a 50% likelihood of success,while a second proposed offer has a 75% likelihood of success.

Further, in some embodiments, the offer package system 110 may receivecustomer financial information. The customer financial information mayinclude a customer's credit history, loan history, employmentinformation, and the like. In some embodiments, the system may befurther configured to determine the proposed offer package based onpreferred user financing preferences. For example, in some embodiments,the customer may value a lower monthly payment more so than a loweroverall purchase price. The personalized financing information mayinclude specific loan terms that the customer has been approved for asthey apply to the vehicle of choice.

In block 360, the system (e.g., offer package system 110) may provide,to the customer device, the determined proposed offer package forpresentation to the customer, wherein the determined proposed offerpackaged comprises prospective pricing information corresponding to thevehicle of interest. For example, in some embodiments, offer packagesystem 110 may transmit the determined proposed offer package throughnetwork 160 to customer device 120. Accordingly, a customer may be ableto view a personalized proposed offer package as applied to the vehicleof interest.

Method 300 may also comprise embodiments where the system may determineproposed offer packages for the one or more vehicles associated with theaggregated inventory listing before providing the data representing theone or more vehicles associated with the aggregated inventory listing tothe customer. For example, in some embodiments, offer package system 110may determine, for each of the one or more vehicles associated with theaggregated inventory listing and based on the customer financialinformation and historical transaction data, an offer package that islikely to be accepted by a (respective) dealership for each of the oneor more vehicles associated with the aggregated inventory listing. Insuch embodiments, offer package system 110 may then combine the datarepresenting one or more vehicles associated with the aggregatedinventory listing with the data representing offer packages for eachvehicle. Offer package system 110 may then provide, to the customerdevice, the vehicle data with the offer package data for each of the oneor more vehicles associated with the aggregated inventory listing.

FIG. 4 shows a flowchart of an example method of using an offer packagesystem 110, according to an example embodiment. In block 410, the system(e.g., offer package system 110) may receive, from a customer device, aninitial request comprising customer financial information, customeridentification information, and vehicle identification information. Thecustomer financial information may include information relevant to loanapproval or to an inquiry into the amount of money a customer can affordto spend on a vehicle. For example, in some embodiments, customerfinancial information may include information related to the customer'sincome, the customer's debt(s), or other information regarding acustomer's financial history or responsibilities. The customeridentification information may include contact information and anyinformation relevant for retrieving financial or other information abouta customer that may be relevant to a vehicle transaction. For example,in some embodiments, customer identification information may includecustomer name, current customer mailing address, previous customermailing address(es), customer phone number, customer social securitynumber, date of birth, email address, a username and/or passcodeauthenticating the customer as the person he or she purports to be, etc.The vehicle identification information may include information relevantto a vehicle that a customer is considering purchasing. For example,vehicle identification information may include a type of vehicle (e.g.,car, sports utility vehicle (“SUV”), truck, etc.), vehicle make, vehicleyear, vehicle model, vehicle identification number (“VIN”), orinformation useful in identifying a vehicle or group of vehicles thatare of interest to the customer.

In block 420, the system (e.g., offer package system 110) may collectand aggregate, from one or more dealerships systems, an inventorylisting comprising information associated with one or more vehiclesassociated with the one or more dealership systems. The inventorylisting may include a list of vehicles and corresponding vehicleinformation such as overall price, vehicle make, vehicle model, vehiclemileage, vehicle features, and other relevant information about vehiclesthat are for sale at dealerships associated with a dealership system140. The inventory listings collected from different dealership systemsmay be aggregated and hosted by one of the offer package system 110 orthe inventory host system 130. When the inventory listing is hosted bythe offer package system 110, the inventory listing data may be storedon the inventory database 112, which may be directly connected to theoffer package system 110.

In block 430, system (e.g., offer package system 110) may aggregate froma warranty provider system, one or more warranty options associated withthe one or more vehicles contained in the inventory listing. Forexample, according to some embodiments, offer package system 110 mayrequest via network 160 information regarding types of warrantiesoffered and specific warranty terms from service provider system 150.

In block 440, system (e.g., offer package system 110) may aggregate froma maintenance provider system, one or more maintenance optionsassociated with the one or more vehicles contained in the inventorylisting. For example, according to some embodiments, offer packagesystem 110 may request via network 160 information regarding types ofmaintenance options offered and specific maintenance contract terms fromservice provider system 150.

In block 450, system (e.g., offer package system 110) may aggregate froma service contract system, one or more service contract optionsassociated with the one or more vehicles contained in the inventorylisting. For example, according to some embodiments, offer packagesystem 110 may request via network 160 information regarding types ofservice contracts offered and specific service contract terms fromservice provider system 150.

In block 460, the system (e.g., offer package system 110) may receive,from the customer device, data indicating a selection of a vehicle ofinterest from among the vehicles included in the aggregated inventorylisting. For example, a customer may select an option in a mobileapplication or on a website running on customer device 120. The customerdevice 120 may then transmit data representing the customer's choicethrough network 160 to offer package system 110.

In block 470, the system (e.g., offer package system 110) may determinea proposed offer package for the vehicle of interest, wherein theproposed offer package comprises an associated overall price includingat least one from among a warranty option, maintenance option, andservice contract option based on the customer vehicle preferenceinformation and historical transaction data. In some embodiments, offerpackage system 110 may determine, based on the customer financialinformation and historical transaction data, an offer package that islikely to be accepted by a dealership. For example, in some embodiments,offer package system 110 may determine that a customer may be able tooffer $1000 off the asking price if they also include a Guaranteed AssetProtection (“GAP”) warranty. In another example embodiments, offerpackage system 110 may determine that a customer may be able to get aGAP warranty or other service contract included in the sale if theyoffer the full asking price. According to some embodiments, the systemmay determine the likelihood that an offer package is accepted by adealer. For example, in some embodiments, offer package system 110 maydetermine that a first proposed offer has a 50% likelihood of success,while a second proposed offer has a 75% likelihood of success.

In some embodiments, the system (e.g., offer package system 110) may befurther configured to determine a suggested time window to purchase avehicle type associated with a selected vehicle from the vehicleinventory (e.g., according to historical transaction data, the vehicletype of interest may sell for a lower average overall price if purchasedbetween August and November). The offer package system 110 may alsodetermine a suggested geographic location. For example, the offerpackage system 110 may be configured to provide, to the customer device120, a recommendation suggesting a geographic area where the vehicletype of interest may be purchased at a deeper discount based on trackingof historical sales data in various areas and at various individualdealerships (e.g., hybrid vehicles, based on historical transactiondata, sell for, on average, $3,000 less in the Southeast than in theMidwest, and therefore determining the southeast as the suggestedgeographic location to purchase a vehicle of that type).

Further, in some embodiments, the offer package system 110 may receivecustomer financial information. The customer financial information mayinclude a customer's credit history, loan history, employmentinformation, and the like. In some embodiments, the system may befurther configured to determine the proposed offer package based onpreferred user financing preferences. For example, in some embodiments,the customer may value a lower monthly payment more so than a loweroverall purchase price. The personalized financing information mayinclude specific loan terms that the customer has been approved for asthey apply to the vehicle of choice.

In block 480, the system (e.g., offer package system 110) may provide,to the customer device, the determined proposed offer package forpresentation to the customer, wherein the determined proposed offerpackaged comprises prospective pricing information corresponding to thevehicle of interest. For example, in some embodiments, offer packagesystem 110 may transmit the determined proposed offer package throughnetwork 160 to customer device 120. Accordingly, a customer may be ableto view a personalized proposed offer package as applied to the vehicleof interest.

Method 400 may also comprise embodiments where the system determinesproposed offer packages based on a customer risk profile (e.g., howcomfortable a customer is with surprise costs) and/or a questionnaire.For example, offer package system 110 may determine based on receivedcustomer financial information and customer identification informationan amount of financial risk that a customer is able to take on. Forexample, the offer package system 110 may consider a loan amount acustomer has been prequalified for along with down payment availability.In some embodiments, offer package system 110 may present the customerwith one-or more questions (e.g., a questionnaire) to fill out in orderto gather more data relevant to the customer's ability to assumefinancial risk.

FIG. 5 shows a flowchart of an example method of using an offer packagesystem 110, according to an example embodiment. In block 510, the methodmay involve receiving an initial request comprising customer financialinformation, customer identification information, and vehicleidentification information. The customer financial information mayinclude information relevant to loan approval or to an inquiry into theamount of money a customer can afford to spend on a vehicle. Forexample, in some embodiments, customer financial information may includeinformation related to the customer's income, the customer's debt(s), orother information regarding a customer's financial history orresponsibilities. The customer identification information may includecontact information and any information relevant for retrievingfinancial or other information about a customer that may be relevant toa vehicle transaction. For example, in some embodiments, customeridentification information may include customer name, current customermailing address, previous customer mailing address(es), customer phonenumber, customer social security number, date of birth, email address, ausername and/or passcode authenticating the customer as the person he orshe purports to be, etc. The vehicle identification information mayinclude information relevant to a vehicle that a customer is consideringpurchasing. For example, vehicle identification information may includea type of vehicle (e.g., car, sports utility vehicle (“SUV”), truck,etc.), vehicle make, vehicle year, vehicle model, vehicle identificationnumber (“VIN”), or information useful in identifying a vehicle or groupof vehicles that are of interest to the customer.

In block 520, the method may involve collecting and aggregating aninventory listing comprising information associated with one or morevehicles associated with the one or more dealership systems. Theinventory listing may include a list of vehicles and correspondingvehicle information such as overall price, vehicle make, vehicle model,vehicle mileage, vehicle features, and other relevant information aboutvehicles that are for sale at dealerships associated with a dealershipsystem 140. The inventory listings collected from different dealershipsystems may be aggregated and hosted by one of the offer package system110 or the inventory host system 130. When the inventory listing ishosted by the offer package system 110, the inventory listing data maybe stored on the inventory database 112, which may be directly connectedto the offer package system 110.

In block 530, the method may involve providing data representing one ormore vehicles associated with the aggregated inventory listing. Forexample, in some embodiments, offer package system 110 may transmit datarepresenting one or more vehicles associated with the aggregatedinventory listing through network 160 to customer device 120 fordisplay.

In block 540, the method may involve receiving data indicating aselection of a vehicle of interest from among the vehicles included inthe aggregated inventory listing. For example, a customer may select anoption in a mobile application or on a website running on customerdevice 120. The customer device 120 may then transmit data representingthe customer's choice through network 160 to offer package system 110.

In block 550, the method may involve determining a proposed offerpackage for the vehicle of interest, wherein the proposed offer packagecomprises an associated overall price including at least one from amonga warranty option, maintenance option, and service contract option basedon the customer vehicle preference information and historicaltransaction data. In some embodiments, offer package system 110 maydetermine, based on the customer financial information and historicaltransaction data, an offer package that is likely to be accepted by adealership. For example, in some embodiments, offer package system 110may determine that a customer may be able to offer $1000 off the askingprice if they also include a Guaranteed Asset Protection (“GAP”)warranty. In another example embodiments, offer package system 110 maydetermine that a customer may be able to get a GAP warranty or otherservice contract included in the sale if they offer the full askingprice. According to some embodiments, the system may determine thelikelihood that an offer package is accepted by a dealer. For example,in some embodiments, offer package system 110 may determine that a firstproposed offer has a 50% likelihood of success, while a second proposedoffer has a 75% likelihood of success.

Further, in some embodiments, the offer package system 110 may receivecustomer financial information. The customer financial information mayinclude a customer's credit history, loan history, employmentinformation, and the like. In some embodiments, the system may befurther configured to determine the proposed offer package based onpreferred user financing preferences. For example, in some embodiments,the customer may value a lower monthly payment more so than a loweroverall purchase price. The personalized financing information mayinclude specific loan terms that the customer has been approved for asthey apply to the vehicle of choice.

In block 560, the method may involve providing the determined proposedoffer package for presentation to the customer, wherein the determinedproposed offer packaged comprises prospective pricing informationcorresponding to the vehicle of interest. For example, in someembodiments, offer package system 110 may transmit the determinedproposed offer package through network 160 to customer device 120.Accordingly, a customer may be able to view a personalized proposedoffer package as applied to the vehicle of interest.

Example Use Cases

The following example use cases describe examples of typical flowpatterns. These are intended solely for explanatory purposes and not inlimitation. First, a customer may wish to acquire (e.g., purchase orlease) a vehicle. To get a sense of what types of vehicles are availableand what the customer can afford, the customer may wish to access aninventory host website (e.g., hosted by the offer package system 110).The customer may already have some idea of what vehicle he/she wishes topurchase and may select either (i) specific vehicles (e.g., by a VIN) or(ii) a vehicle type(s). In response, the offer package system 110 mayreceive, from the customer device 120, an initial interest request. Theinitial interest request may include customer identification information(e.g., a full name, date of birth, social security number, etc.),customer financial information (e.g., income, debt information, etc.),and information associated with at least one vehicle contained within aninventory listing presented on the website.

The offer package system 110 may provide the customer with apersonalized list of vehicles based on the information received in theinitial request. Once the customer makes a selection of a vehicle ofinterest, the offer package system 110 may determine a proposed offerpackage. The determination may be made based on reviewing historicaltransaction data for similar vehicles, for vehicles sold at the samedealership, and for other factors that can be captured in automotivetransaction data. The proposed offer package includes a suggestedoverall price with suggested options and/or tactics. The offer packagesystem 110 may then provide the proposed offer to the customer. Forexample, the proposed offer may be delivered through email or may beprovided to the customer via a website interface.

As another example, a customer may wish to acquire (e.g., purchase orlease) a vehicle. To get a sense of what types of vehicles are availableand what the customer can afford, the customer may wish to access aninventory host website (e.g., hosted by the offer package system 110)and as a result may submit an initial interest request. After receivingthe request, offer package system 110 may aggregate vehicle and pricingdata from dealership systems 140 as well as data from third partyservice providers that provide automotive services (e.g., warrantyproviders, aftermarket accessory providers, service contract providers,etc.). When determining the proposed offer package, offer package system110 may use the aggregated data in combination with historicaltransaction data in order to develop the proposed offer package. Theproposed offer package may indicate certain suggested options andtactics in order to get the best deal from an individual dealership. Theproposed offer package may also indicate that certain suggested optionsshould be purchased from different entities in order to attain the bestvalue. In order to provide a customer with the best value in theirvehicle transaction, the proposed offer package may suggest that thecustomer interact with different entities in order. For example, theproposed offer package may indicate a lower overall price to offer adealership (e.g., $22,000 for the new Ford Escape), and suggest that thewarranty and service contracts be purchased from a third party asopposed to from the dealership. The offer package system 110 may thenprovide the proposed offer to the customer. For example, the proposedoffer may be delivered through email or may be provided to the customervia a website interface.

As used in this application, the terms “component,” “module,” “system”and the like are intended to include a computer-related entity, such asbut not limited to hardware, firmware, a combination of hardware andsoftware, software, or software in execution. For example, a componentmay be, but is not limited to being, a process running on a processor,an object, an executable, a thread of execution, a program, and/or acomputer. By way of illustration, both an application running on acomputing device and the computing device can be a component. One ormore components can reside within a process and/or thread of executionand a component may be localized on one computer and/or distributedbetween two or more computers. In addition, these components can executefrom various computer readable media having various data structuresstored thereon. The components may communicate by way of local and/orremote processes such as in accordance with a signal having one or moredata packets, such as data from one component interacting with anothercomponent in a local system, distributed system, and/or across a networksuch as the Internet with other systems by way of the signal.

Certain implementations of the disclosed technology are described abovewith reference to block and flow diagrams of systems and methods and/orcomputer program products according to example implementations of thedisclosed technology. It will be understood that one or more blocks ofthe block diagrams and flow diagrams, and combinations of blocks in theblock diagrams and flow diagrams, respectively, can be implemented bycomputer-executable program instructions. Likewise, some blocks of theblock diagrams and flow diagrams may not necessarily need to beperformed in the order presented, may be repeated, or may notnecessarily need to be performed at all, according to someimplementations of the disclosed technology.

These computer-executable program instructions may be loaded onto ageneral-purpose computer, a special-purpose computer, a processor, orother programmable data processing apparatus to produce a particularmachine, such that the instructions that execute on the computer,processor, or other programmable data processing apparatus create meansfor implementing one or more functions specified in the flow diagramblock or blocks. These computer program instructions may also be storedin a computer-readable memory that can direct a computer or otherprogrammable data processing apparatus to function in a particularmanner, such that the instructions stored in the computer-readablememory produce an article of manufacture including instruction meansthat implement one or more functions specified in the flow diagram blockor blocks. As an example, implementations of the disclosed technologymay provide for a computer program product, including a computer-usablemedium having a computer-readable program code or program instructionsembodied therein, said computer-readable program code adapted to beexecuted to implement one or more functions specified in the flowdiagram block or blocks. Likewise, the computer program instructions maybe loaded onto a computer or other programmable data processingapparatus to cause a series of operational elements or steps to beperformed on the computer or other programmable apparatus to produce acomputer-implemented process such that the instructions that execute onthe computer or other programmable apparatus provide elements or stepsfor implementing the functions specified in the flow diagram block orblocks.

Accordingly, blocks of the block diagrams and flow diagrams supportcombinations of means for performing the specified functions,combinations of elements or steps for performing the specifiedfunctions, and program instruction means for performing the specifiedfunctions. It will also be understood that each block of the blockdiagrams and flow diagrams, and combinations of blocks in the blockdiagrams and flow diagrams, can be implemented by special-purpose,hardware-based computer systems that perform the specified functions,elements or steps, or combinations of special-purpose hardware andcomputer instructions.

Throughout the specification and the claims, the following terms take atleast the meanings explicitly associated herein, unless the contextclearly dictates otherwise. The term “connected” means that onefunction, feature, structure, or characteristic is directly joined to orin communication with another function, feature, structure, orcharacteristic. The term “coupled” means that one function, feature,structure, or characteristic is directly or indirectly joined to or incommunication with another function, feature, structure, orcharacteristic. The term “or” is intended to mean an inclusive “or.”Further, the terms “a,” “an,” and “the” are intended to mean one or moreunless specified otherwise or clear from the context to be directed to asingular form.

In this description, numerous specific details have been set forth. Itis to be understood, however, that implementations of the disclosedtechnology may be practiced without these specific details. In otherinstances, well-known methods, structures and techniques have not beenshown in detail in order not to obscure an understanding of thisdescription. References to “one embodiment,” “an embodiment,” “someembodiments,” “example embodiment,” “various embodiments,” “oneimplementation,” “an implementation,” “example implementation,” “variousimplementations,” “some implementations,” etc., indicate that theimplementation(s) of the disclosed technology so described may include aparticular feature, structure, or characteristic, but not everyimplementation necessarily includes the particular feature, structure,or characteristic. Further, repeated use of the phrase “in oneimplementation” does not necessarily refer to the same implementation,although it may.

As used herein, unless otherwise specified the use of the ordinaladjectives “first,” “second,” “third,” etc., to describe a commonobject, merely indicate that different instances of like objects arebeing referred to, and are not intended to imply that the objects sodescribed must be in a given sequence, either temporally, spatially, inranking, or in any other manner.

While certain implementations of the disclosed technology have beendescribed in connection with what is presently considered to be the mostpractical and various implementations, it is to be understood that thedisclosed technology is not to be limited to the disclosedimplementations, but on the contrary, is intended to cover variousmodifications and equivalent arrangements included within the scope ofthe appended claims. Although specific terms are employed herein, theyare used in a generic and descriptive sense only and not for purposes oflimitation.

This written description uses examples to disclose certainimplementations of the disclosed technology, including the best mode,and also to enable any person skilled in the art to practice certainimplementations of the disclosed technology, including making and usingany devices or systems and performing any incorporated methods. Thepatentable scope of certain implementations of the disclosed technologyis defined in the claims, and may include other examples that occur tothose skilled in the art. Such other examples are intended to be withinthe scope of the claims if they have structural elements that do notdiffer from the literal language of the claims, or if they includeequivalent structural elements with insubstantial differences from theliteral language of the claims.

1. A vehicle searching system comprising: one or more processors; and at least one memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to: receive, via an interface of the vehicle searching system, a request from a user, the request comprising (i) user financial information comprising financial preferences including desired monthly payment or payment range and (ii) vehicle identification information comprising an indication of one or more vehicle features desired by the user; identify information associated with one or more vehicles within one or more of a plurality of inventory listings, each inventory listing of the plurality of inventory listings being associated with a corresponding dealership system of a plurality of dealership systems; generate, based on the vehicle identification information, a set of filtered vehicles from among the one or more vehicles; provide, to the user, data representing information associated with the set of filtered vehicles; access historical vehicle purchase transaction data for the corresponding dealership system of each filtered vehicle of the set of filtered vehicles, the historical vehicle purchase transaction data comprising vehicle information and overall negotiated price including at least one from among a warranty option, a maintenance option, and a service contract option; determine, for the corresponding dealership system of each of the filtered vehicles and based on the respective historical vehicle purchase transaction data of the corresponding dealership system, one or more potential addons, the one or more potential addons comprising one or more of a warranty option, a maintenance option, or a service contract option; generate, based on the user request and the historical vehicle purchase transaction data, a proposed offer package for each filtered vehicle of the set of filtered vehicles, each proposed offer package comprising an associated overall price including one or more addons of the one or more potential addons and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determine, for each proposed offer package, a first respective likelihood of success metric representing the likelihood that the proposed offer package will be accepted by the corresponding dealership system; and provide, to the user, via the interface of the vehicle searching system, the generated proposed offer packages and the first respective likelihood of success metric.
 2. The system of claim 1, wherein generating a proposed offer package comprises: tracking historical vehicle purchase transaction data for vehicles sold by one or more dealerships associated with the one or more dealership systems, the historical vehicle purchase transaction data comprising vehicle information, overall negotiated price, and included options; and determining, using machine learning and based on the tracked historical vehicle purchase transaction data, the proposed offer package.
 3. The system of claim 2, wherein the system further comprises instructions to cause the system to provide, to the dealership system, a suggested new warranty option, maintenance option, and service contract option based on the tracked historical transaction data.
 4. The system of claim 1, wherein the system is further configured to receive, from the user, a customer-input indication of acceptance of the determined proposed offer package, and, responsive to the acceptance, provide, to the respective dealership system data indicating the user's willingness to enter into a transaction based on the proposed offer package.
 5. The system of claim 1, wherein each of the filtered vehicles has an associated vehicle type, and generating the proposed offer packages further comprise tracking historical vehicle purchase transaction data of at least the overall price, warranty cost, maintenance cost, and service contract cost for the associated vehicle type and determining a suggested time window to provide the proposed offer package for each of the filtered vehicles based on the historical vehicle purchase transaction data.
 6. The system of claim 1, wherein the system is further configured to generate, based on the user request and the historical vehicle purchase transaction data, a second proposed offer package for each filtered vehicle of the plurality of filtered vehicles, each second proposed offer package comprising an associated overall price including one or more addons of the one or more potential addons and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determine, for each second proposed offer package, a respective second likelihood of success metric representing the likelihood that the second proposed offer package will be accepted by the corresponding dealership system; and provide, to the user, via the interface of the vehicle searching system, the generated second proposed offer packages and the respective second likelihood of success metric.
 7. The system of claim 6, wherein the second likelihood of success metric is less than the first likelihood of success metric.
 8. The system of claim 1, wherein the generated proposed offer packages further comprise a suggested tactic.
 9. The system of claim 8, wherein the suggested tactic includes a suggested time to purchase the filtered vehicle associated with the generated proposed offer package.
 10. A vehicle searching system comprising: one or more processors; and at least one memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to: receive, via an interface of the vehicle searching system, a request from a user, the request comprising (i) user financial information comprising financial preferences including desired monthly payment or payment range and (ii) vehicle identification information comprising an indication of one or more vehicle features desired by the user; identify information associated with one or more vehicles within one or more of a plurality of inventory listings, each inventory listing of the plurality of inventory listings being associated with a corresponding dealership system of a plurality of dealership systems; generate, based on the vehicle identification information, a set of filtered vehicles from among the one or more vehicles; generate, based on the request and historical transaction data, an initial offer package for each filtered vehicle of the set of filtered vehicles, each proposed offer package comprising an associated overall price and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; provide, to the user, data representing information associated with the set of filtered vehicles and the respective initial offer packages; receive, via the interface of the vehicle searching system, an indication of a vehicle of interest from among the set of filtered vehicles; access historical vehicle purchase transaction data for the corresponding dealership system of the vehicle of interest, the historical vehicle purchase transaction data comprising vehicle information and overall negotiated price including at least one from among a warranty option, a maintenance option, and a service contract option; determine, for the corresponding dealership system of the vehicle of interest and based on the respective historical vehicle purchase transaction data of the corresponding dealership system, one or more potential addons, the one or more potential addons comprising one or more of a warranty option, a maintenance option, or a service contract option; generate, based on the user request and the historical vehicle purchase transaction data, a final offer package for the vehicle of interest, the final offer package comprising an associated overall price including one or more addons of the one or more potential addons and (ii) a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determine, for the final offer package, a first respective likelihood of success metric representing the likelihood that the final offer package will be accepted by the corresponding dealership system; and provide, to the user, via the interface of the vehicle searching system, the generated final offer package and the first respective likelihood of success metric.
 11. The system of claim 10, wherein generating a final offer package comprises: tracking historical vehicle purchase transaction data for vehicles sold by one or more dealerships associated with the one or more dealership systems, the historical vehicle purchase transaction data comprising vehicle information, overall negotiated price, and included options; and determining, using machine learning and based on the tracked historical vehicle purchase transaction data, the final offer package.
 12. The system of claim 11, wherein the system further comprises instructions to cause the system to provide, to the dealership system, a suggested new warranty option, maintenance option, or service contract option based on the tracked historical transaction data.
 13. The system of claim 10, wherein the system is further configured to receive, from the user, a customer-input indication of acceptance of the determined final offer package, and, responsive to the acceptance, provide, to the respective dealership system data indicating the user's willingness to enter into a transaction based on the final offer package.
 14. The system of claim 10, wherein each of the filtered vehicles has an associated vehicle type, and generating the final offer package further comprise tracking historical vehicle purchase transaction data of at least the overall price, warranty cost, maintenance cost, and service contract cost for the associated vehicle type and determining a suggested time window to provide the proposed offer package for each of the filtered vehicles based on the historical vehicle purchase transaction data.
 15. The system of claim 10, wherein the system is further configured to generate, based on the user request and the historical vehicle purchase transaction data, a second final offer package for the vehicle of interest, each second final offer package comprising an associated overall price including one or more addons of the one or more potential addons and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determine, for the second final offer package, a respective second likelihood of success metric representing the likelihood that the second final offer package will be accepted by the corresponding dealership system; and provide, to the user, via the interface of the vehicle searching system, the generated second final offer packages and the respective second likelihood of success metric.
 16. The system of claim 15, wherein the second likelihood of success metric is less than the first likelihood of success metric.
 17. The system of claim 10, wherein the generated final offer package further comprises a suggested tactic.
 18. The system of claim 17, wherein the suggested tactic includes a suggested time to purchase the filtered vehicle associated with the generated proposed offer package.
 19. A vehicle searching method comprising: receiving, via an interface of the vehicle searching system, a request from a user, the request comprising (i) user financial information comprising financial preferences including desired monthly payment or payment range and (ii) vehicle identification information comprising an indication of one or more vehicle features desired by the user; identifying one or more vehicles within a plurality of inventory listings, each inventory listing of the plurality of inventory listings being associated with a corresponding dealership system of a plurality of dealership systems; generating, based on the vehicle identification information, a set of filtered vehicles from among the one or more vehicles; providing, to the user, data representing information associated with the set of filtered vehicles; accessing historical vehicle purchase transaction data for the dealership systems, the historical vehicle purchase transaction data comprising vehicle information and overall negotiated price including at least one from among a warranty option, a maintenance option, and a service contract option; generate, based on the user request and the historical vehicle purchase transaction data, a proposed offer package for each filtered vehicle of the set of filtered vehicles, each proposed offer package comprising an associated overall price including one or more addons of one or more potential addons and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determine, for each proposed offer package, a respective likelihood of success metric representing the likelihood that the proposed offer package will be accepted by the corresponding dealership system; and provide, to the user, via the interface of the vehicle searching system, the generated proposed offer packages and the respective likelihood of success metric.
 20. The method of claim 19 further comprising: generating, based on the user request and the historical vehicle purchase transaction data, a second proposed offer package for each filtered vehicle of the set of filtered vehicles, each second proposed offer package comprising an associated overall price including one or more addons of the one or more potential addons and a monthly payment price within a threshold of the desired monthly payment or within the desired monthly payment range; determining, for the second proposed offer package, a respective second likelihood of success metric representing the likelihood that the second proposed offer package will be accepted by the corresponding dealership system; and providing, to the user, via the interface of the vehicle searching system, the generated second proposed offer packages and the respective second likelihood of success metric. 